Homeowners / Condo / Renters Insurance

No matter what it is you call “home,” Henderson Brothers, through our exceptional service and comprehensive analysis, is committed to understanding the needs that matter most to you. Our Experts will help determine which coverage options make the most sense.

"Our relationship with Henderson Brothers began with their retirement plan division, and has since grown to include employee benefits. Each team member we work with, regardless of the department, provides our company with expert advice and dedication to help navigate complex, constantly changing marketplaces." –Amy Smith, Vice President of Finance & Administration, Carload Express, Inc.

“Henderson Brothers cares about the community. Whether it’s the leadership donating time and resources to tri-state nonprofits, or the entire team participating in a day of caring, or donating wrapped gifts for kids at Christmas, the folks at Henderson Brothers give back.” –Alan Siger, Consumer’s Produce

“Henderson Brothers’ team has the experience and knowledge that gives us the insight we need to make the best decisions for our company regarding business insurance packages and employee benefits. They are always willing to go the extra mile to get the best result, and it helps that they are a pleasure to work with!” –Ann Bate, Controller and Chief Financial Officer, CleanCare

“We connected with Henderson Brothers because we needed a strategic partner who would do more than guide us through annual renewals, but rather one that would help us to develop a more strategic and proactive approach to benefits management with deep expertise in compliance. What we have found is that Henderson Brothers has not only surpassed those expectations, but they are also aligned with our corporate values, they treat our employees like their own, and they care deeply about our successes and challenges. Henderson Brothers has become the benchmark for all my other vendor relationships.” –Paige Turk, Human Resources Director, Flynn’s Tire

“I view the team at Henderson Brothers as an extension of the 4moms Human Resources team. They have done a tremendous job finding the right benefits solutions at a fair price for the employees at 4moms and their families. The level of customer service we receive exceeds all expectation, and they are always willing to share their extensive knowledge.” –Jacki Szymanski, Director of Human Resources, 4moms

“After having worked with Henderson Brothers for over 10 years, and specifically with Dana Granito, I have the utmost confidence in their ability to tackle new challenges (ACA) and stay up-to-date on many insurance practices and trends. Henderson Brothers is not a ‘reactive’ organization, but rather, they take the lead in translating the ever-changing insurance landscape and market. We feel very fortunate to have Dana and the entire Henderson Brothers crew in our back pocket!” –Linda Buker, Manager of Museum and Strategic Resources, The Frick Pittsburgh

“Working with Henderson Brothers is a true partnership. They care about their clients and always act in the best interest of our company. They are honest, fair and always willing to help. We always know that if we are not getting the answers we need that we can contact them to step in and get us the results and answers. I enjoy working with them and am confident that I have someone I can trust when I have questions. They are efficient and responsible partners and I could not imagine working with anyone else.” –Courtney Curigliano, Director of Human Resources, Rice Energy

“Quick Med Claims (QMC) recently partnered with Henderson Brothers to manage all of our employee benefits and commercial insurance programs. We couldn’t be happier with our decision. They quickly understood our goals and company culture. Their deep industry knowledge, access to national partners and ability to put a comprehensive package together is a great win for our employees and our company.” –Scott Powell, Chief Operating Officer, Quick Med Claims

“Henderson Brothers has done a remarkable job for both our HR team and our employees in all of the areas that they touch–medical, dental, vision, EAP, wellness, BWC and our general insurance coverages. They are able to provide industry and regional benchmarks, make strategic recommendations that have produced significant savings, and assist us with difficult discussions with our vendors. They always operate with our best interest in mind, and will forcefully argue our case whenever necessary. We are in constant contact with them and work very closely. This is a very important relationship to our business and Henderson Brothers is integral to our success; allowing us to offer the very best benefits to our employees while balancing our ability to contain costs.” –Tina Myles, Chief Human Resources Officer, Pressley Ridge

“Empire Energy E&P, LLC has worked closely with Henderson Brothers since 2011. We have our commercial insurance and benefits coverage with Henderson Brothers. Nadine Duncan (benefits), Mike Malone and Charlotte Kramer (both commercial) have been an ease to work with. They answer our questions timely and we are always appreciative of their efforts. As an accountant I don’t have much insurance knowledge, but Nadine, Mike and Charlotte make my job easier by being thorough and efficient.” –Susan Gasper, Controller, Empire Energy

“We chose Henderson Brothers as our insurance broker for employee benefits and property/casualty insurance due to their vast expertise in all lines of insurance and an unmatched level of client service. They constantly review our policies to ensure that we have the proper level of coverage and pricing based on changes in both our business and the insurance marketplace.” –Rich Zolinas, Chief Financial Officer, Du-Co Ceramics

“Henderson Brothers and Chromalox share a proud heritage of being founded in Pittsburgh and being in business for over 100 years. Henderson Brothers not only provides unparalleled support with a comprehensive understanding of all benefit plans and state and federal regulations, but also a level of commitment that we rely on. By having a solid understanding of our business and our needs, they expertly mitigate our risks and help to position Chromalox to be an employer of choice. We rely on their expertise and most importantly, we value their people as true business partners as we value our own employees. Chromalox prides ourselves in being an ‘innovative expert;’ our core values dictate the way we treat our associates and how we become true strategic partners. We value that same expertise in Henderson Brothers.” –Leslie Quealy, Director of Global Human Resources, Chromalox

“We were fortunate to have been referred to Henderson Brothers by one of their existing clients. With our interest in providing a rich benefits plan for our employees, and awareness of all of the complexity surrounding employment and benefit laws, we want to ensure that we are compliant and have a consultant that will guide us through every step of the process. Henderson Brothers is always available to help us and provides a quick, accurate response.” –Kelly Kuczinski, Director of Finance & Administration, Bender Consulting Services

"Henderson Brothers provides us with a comprehensive suite of solutions in order to plan our Health & Welfare spend. Given the level of investment medical costs are to the organization, and the complexity of complying with ongoing legislation change, the Henderson Brothers consultants are readily equipped with relevant know-how and guidance in presenting options and weighing risks with us in order to meet our business objectives." –Jean Bayuk, Director, Total Rewards, Evoqua Water Technologies

“Our companies have been associated with Henderson Brothers for over 25 years. They have principally handled our benefits, property and equipment insurance needs, especially marine insurance, which has long been a specialty of Henderson Brothers.” –Cliff Rowe, PJ Dick/Trumbull/Lindy

“Henderson Brothers not only provides us with competitively priced insurance, but also performs other services in health care analysis, personnel, safety and compliance. They add value to a company our size in areas outside what you would expect.” –Paul Lackner, Paper Products Company

“Each and every year, we are impressed when it is time for our insurance renewal. Henderson Brothers' relationships with their carriers ensure we get the best products, services and rates. They negotiate and secure favorable policies on our behalf, act as an intermediary with our carriers, perform claims management and provide advice regarding business ventures.” –John Mascaro, Mascaro Construction

"Mascaro has enjoyed a business relationship with Henderson Brothers for over 20 years, and a personal relationship with Dan and Tom Grealish that predates the business relationship. Mascaro's portfolio with Henderson Brothers has grown from our commercial insurance program 20 years ago to include our employee benefits management and administration, training for both insurance and claims management, advice regarding our 401K and risk management. A recent addition is HB Retirement Webinars, a series of free educational programs offered by Henderson Brothers to help employees plan for their retirement.” –John Mascaro, Mascaro Construction

“Henderson Brothers’ strengths and values dovetail with our own, which is what makes our collaboration with them such a compelling partnership. They provide personal attention and really seem to understand our unique needs and challenges.” –Robert Morris University

“Henderson Brothers not only provides us with competitively priced insurance but also performs other services in Health Care analysis, personnel, safety and compliance. They add outstanding value to a company our size in areas outside what you would expect.” –Paul Lackner, Paper Products Company

“In all of the areas of our business that Henderson Brothers touches (medical, dental, vision, wellness and general insurance coverages), they have done a remarkable job for our HR team and our employees. They are able to provide industry and regional benchmarks, make strategic recommendations that have produced significant savings, and assist us with difficult discussions with our vendors. They always operate with our best interest in mind, and will forcefully argue our case whenever necessary. We are in constant contact and work with them very closely. This is an incredibly significant and very important relationship to our business, and Henderson Brothers is integral to our success, allowing us to offer the very best benefits to our employees while ensuring that our costs are contained." -Tina Myles, Chief Human Resources Officer, Pressley Ridge

“When you do business with Henderson Brothers, they are always there for you.” –John C. Mascaro, Jr., President & CEO, Mascaro Construction Company, L.P.

“Henderson responds quickly and passionately to our issues. Accidents happen, and sometimes they are very serious. The true measure of Henderson's value is in how the crisis is handled and resolved. Henderson Brothers takes charge of the situation, and that allows us to continue the flow of product to our clients.” –Paul Lackner, Paper Products Company

“Henderson Brothers is the perfect agency; they are large enough to offer the products and services the multi-international firms provide, but they make you feel like you’re their only client.” –Alan Siger, Consumer’s Produce

“The ability of Henderson Brothers to partner with my senior leadership team to educate the Board of Trustees on the complex issues we face together, and the solutions to those challenges, really stands out.” –Robert Morris University

“Henderson, through their cyber liability program, was able to get us compliant and most importantly, train our people in the handling and protection of confidential information. Not only for us but our customers as well. It was a tremendously valuable service.” –Paul Lackner, Paper Products Company

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business auto policyA commercial auto policy that includes auto liability and auto physical damage coverages; other coverages are available by endorsement. Except for auto-related businesses and motor carrier or trucking firms, the business auto policy (BAP) addresses the needs of most commercial entities as respects auto insurance. Source: IRMI

fleetFor classifying commercial vehicles under the business auto policy (BAP), five or more automobiles. Source: IRMI

MVRA summary of a driver's convictions and accidents on file with his or her home state. If a state so chooses, it may also obtain conviction records for its citizens that are obtained in other jurisdictions. An MVR is one of the primary tools used in underwriting auto insurance. Source: IRMI

captiveA captive is created when business owners of one or more non-insurance companies come together to form a small insurance company to manage risks they face internally. When forming the company, the owners realize the underwriting profit and also acquire investment income. The risks typically managed in this type of joint insurance company include general and professional liability, auto and workers' compensation. A captive is appropriate for insurers who can have control over their claims and risk management services. Businesses that practice "best in class" procedures can expect better than average loss and have the ability to manage claims when they occur, keeping costs to a minimum by reduced and stabilized insurance expenditures.

cyber liabilityA type of insurance designed to cover consumers of technology services or products. More specifically, the policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling on the internet or collecting data within its internal electronic network. Source: IRMI

Fiduciary LiabilityThe responsibility on trustees, employers, fiduciaries, professional administrators and the plan itself with respect to errors and omissions (E&O) in the administration of employee benefit programs as imposed by the Employee Retirement Income Security Act (ERISA). Source: IRMI

Property insuranceFirst-party insurance that indemnifies the owner or user of property for its loss, or the loss of its income-producing ability, when the loss or damage is caused by a covered peril, such as fire or explosion. In this sense, property insurance encompasses inland marine, boiler and machinery (BM), and crime insurance, as well as what was once known as fire insurance, now simply called property insurance: insurance on buildings and their contents. Source: IRMI

surety bondsA contract under which one party (the surety) guarantees the performance of certain obligations of a second party (the principal) to a third party (the obligee). For example, most construction contractors must provide the party for which they are performing operations with a bond guaranteeing that they will complete the project by the date specified in the construction contract in accordance with all plans and specifications. Source: IRMI

Workers’ CompensationThe system by which no-fault statutory benefits prescribed in state law are provided by an employer to an employee (or the employee's family) due to a job-related injury (including death) resulting from an accident or occupational disease. Source: IRMI

experience modificationA factor developed by measuring the difference between the insured's actual past experience and the expected or actual experience of the class. This factor may be either a debit or credit and, therefore, will increase or decrease the standard premium in response to past loss experience. When applied to the manual premium, the experience modification produces a premium that is more representative of the actual loss experience of an insured. An employer with average experience has a modifier of 1.0 and would pay the manual premium. Employers with poorer loss experience would have modifiers greater than 1.00 and would pay more than manual premium. Those with good experience would have modifiers below 1.00 and pay less than manual premium. Source: IRMI

HomeownersA package insurance policy providing property and liability coverages tailored to the needs of most homeowners, condominium owners, and apartment tenants. Various versions are available depending on the type of dwelling insured and the scope of protection to be covered. It is the most commonly used insurance policy protecting homes in the United States. Source: IRMI

Condo/Co-opCovers the real property interest and the personal property of insureds who own a unit in a condominium or share an ownership interest in a cooperative building. It also provides personal liability coverage and medical payments coverage. Source: IRMI

Personal UmbrellaProvides high limits of liability to protect an insured against a catastrophic liability loss. This policy grants liability coverage that stacks on top of the primary liability coverage provided by the insured's homeowners, personal auto, watercraft and any other scheduled underlying liability policies. It covers bodily injury (BI), property damage (PD) and personal injury (PI), which includes offenses such as libel, slander, false arrest, invasion of privacy, and others. The umbrella policy also fills some gaps in coverage over a specified deductible (often called a retained limit) in the underlying policy. Source: IRMI

Excess LiabilityA policy issued to provide limits in excess of an underlying liability policy. The underlying liability policy can be, and often is, an umbrella liability policy. An excess liability policy is no broader than the underlying liability policy; its sole purpose is to provide additional limits of insurance.Source: IRMI